Every payment gateway charges for what they do. Razorpay takes 2% plus 18% GST per transaction. Stripe charges 2–3%. PayU similar. For a hotel processing ₹5 lakh a month in room and restaurant payments, that is ₹10,000–15,000 in fees every month — before GST — going to a payment processor who sits between you and your guest's money.
Zitlin's QR payment approach removes that intermediary entirely. A QR code is generated from your invoice. Your guest scans it using their own bank app — BHIM, GPay, PhonePe, Nubank, GoPay, GrabPay, Touch 'n Go, GCash, or any compatible local banking app depending on where they are. The money moves directly into your bank account via your country's national payment rail. Zitlin records the confirmation. Nothing takes a cut.
Zitlin supports 16 national QR standards across 24 countries — UPI, Pix, VietQR, QRIS, DuitNow, PromptPay, SGQR/PayNow, QR Ph, FPS, KHQR, LANKAQR, FonePay, Bangla QR, GhQR, NQR and SEPA QR — plus mobile money instructions where no QR standard exists yet.
How It Works
The payment flow is straightforward and requires no card terminal, no payment gateway account, and no technical setup beyond entering your payment credentials once in Zitlin.
| Step | What happens |
|---|---|
| Folio or bill created | Zitlin generates a QR code pre-filled with the exact invoice amount |
| Staff shows QR to guest | Display on screen, print on bill, or send via WhatsApp — all work |
| Guest scans with their bank app | UPI app, DuitNow app, PromptPay, GoPay, or any compatible local app |
| Payment transfers directly | Money moves from guest's bank to your bank via national payment rail |
| Staff confirms in Zitlin | Mark payment received — folio updates, settlement recorded |
The key detail: Zitlin generates the QR and records the payment. It does not sit in the payment flow. There is no Zitlin payment account that holds your money or settles to you later. The transaction is between your guest's bank and your bank — the same way a direct bank transfer works, but via a scannable code.
Supported QR Payment Systems — 24 Countries, 16 National QR Standards
Setup differs slightly by market, so the tables below are grouped by what you need to provide once, per property.
Systems that need only an identifier you already own
Nothing to apply for. If you have the account, you can accept payments.
| System | Country | What you enter | Guest pays with |
|---|---|---|---|
| UPI | India | Your UPI ID (VPA) | BHIM, GPay, PhonePe, Paytm, any UPI bank app |
| UPI cross-border | Bhutan | Your UPI ID (VPA) | Indian UPI apps via the NPCI–RMA linkage |
| Pix | Brazil | Your Pix key — CPF/CNPJ, email, phone or random key | Nubank, Itaú, Bradesco, Banco do Brasil, Caixa, any Pix app |
| VietQR | Vietnam | Bank BIN + account number | Vietcombank, BIDV, Techcombank, MB Bank, any NAPAS app |
| SGQR / PayNow | Singapore | PayNow mobile number or UEN | DBS, OCBC, UOB, POSB, GrabPay, all PayNow banks |
| PromptPay (Thai QR) | Thailand | PromptPay mobile, national ID or e-wallet ID | SCB, Kasikorn, Krungthai, Bangkok Bank, TrueMoney |
| FPS | Hong Kong | Your FPS ID | HSBC, Hang Seng, BOCHK, PayMe, all FPS banks |
| SEPA QR (EPC) | France, Germany, Italy, Austria, Croatia, Poland, Sweden | IBAN + BIC | Any SEPA bank app that reads EPC credit-transfer QR |
Systems that need a merchant ID from your acquiring bank
| System | Country | What you enter | Guest pays with |
|---|---|---|---|
| DuitNow QR | Malaysia | Acquirer ID + QR ID from your DuitNow acquirer | Maybank MAE, CIMB OCTO, RHB, Touch 'n Go, all DuitNow banks |
| QR Ph | Philippines | Acquirer BIC + merchant ID | GCash, Maya, InstaPay, all QR Ph bank apps |
Systems where you paste the QR your bank already gave you
For these markets the national scheme does not publish its QR format, so rather than guess it, Zitlin takes the static QR your bank or acquirer issued, and adds this invoice's amount and reference to it. Scan your printed code once, paste the text into Zitlin, done.
| System | Country | What you enter | Guest pays with |
|---|---|---|---|
| QRIS | Indonesia | Your existing static QRIS code | GoPay, OVO, Dana, ShopeePay, LinkAja, all QRIS apps |
| KHQR | Cambodia | Your existing Bakong/KHQR code | Bakong, ABA Mobile, ACLEDA, Wing |
| LANKAQR | Sri Lanka | Your existing LANKAQR code | All 22 LANKAQR member bank apps |
| FonePay | Nepal | Your existing FonePay code | eSewa, Khalti, all FonePay member banks |
| Bangla QR | Bangladesh | Your existing Bangla QR code | bKash, Nagad, Rocket, all Bangla QR banks |
| GhQR | Ghana | Your existing GhQR code | MTN MoMo, Telecel Cash, all GhIPSS banks |
| NQR | Nigeria | Your existing NQR (NIBSS) code | All NQR-enabled Nigerian bank apps |
Markets served with payment instructions instead of a QR
Not every country has an interoperable QR standard yet. Where one does not exist, Zitlin shows the guest exact payment instructions with the amount and reference, rather than a code that will not scan.
| Method | Country | What the guest sees |
|---|---|---|
| MTN MoMo + Orange Money | Cameroon | Your mobile money numbers, the amount in XAF, and the booking reference |
| Bank transfer | Nigeria | Account name, bank, account number and reference — upgraded to a QR if you add an NQR code |
| IBAN / wire transfer | SEPA countries | Full IBAN and BIC alongside the SEPA QR |
Additional systems are added on demand. If your market uses a QR payment system not on this list, contact us — expanding to a new market usually means adding a QR format, not building a new payment integration.
Works on Accommodation and Restaurant Invoices
QR payments work across every billing context in Zitlin:
Room folios: Generate a QR from a guest's accommodation folio at checkout. The QR includes the total amount including room charges, room service, and any food or beverage charges added during the stay. Guest scans once, full balance settles.
Restaurant bills: Generate a QR at the table from a restaurant bill. Particularly useful in open-air or poolside settings where a card terminal isn't practical. Guest scans with their preferred app.
Advance deposits: Generate a QR for a partial or full advance deposit against a future reservation. Deposit is recorded in the folio and deducted from the balance due at checkout.
Split payments: A guest paying part by cash and part by QR is handled on the same folio — record each payment method separately, Zitlin tracks the balance.
Why 0% Commission Is Possible
Payment gateways charge because they are the intermediary — they receive the guest's payment, hold it, and settle it to you after deducting their fee. Their cost covers the infrastructure of being that middleman: routing, fraud monitoring, reconciliation, settlement cycles, and support.
Zitlin is not a payment gateway. It does not receive your guest's money. The payment goes from the guest's bank directly to your bank account via the national payment infrastructure of the relevant country (NPCI in India, PayNet in Malaysia, NAPAS in Vietnam, and so on). These national rails are either free or very low cost for the receiving party by design — UPI bank-to-bank transfers have zero MDR by government mandate in India.
Zitlin's role is to generate the correct QR format, pre-fill it with the invoice amount, and let you record confirmation of receipt. That is a feature of the PMS — not a payment processing service. So there is no commission to charge.
Zitlin QR vs Payment Gateways vs Cash vs Card Terminals
| Zitlin QR | Payment gateway (Razorpay / Stripe / PayU) | Card terminal | Cash | |
|---|---|---|---|---|
| Commission per transaction | 0% | 2% + 18% GST (India) | 1–3% (merchant acquirer) | 0% |
| Hardware required | None — phone or screen | Integration required | Terminal device, network | None |
| Settlement to your account | Instant on most rails, same-day on SEPA | T+1 to T+2 days | T+1 to T+3 days | Immediate, manual handling |
| Works for restaurant tables | Yes | Requires POS integration | Yes, with terminal | Yes |
| Reconciliation in Zitlin | Yes — confirmed manually | Can be automated via webhook | Can be automated | Manual |
| Works across countries | Yes — 16 systems, 24 countries | Depends on gateway | Visa/MC only | Local only |
| Guest needs a bank app | Yes | No — accepts cards too | No | No |
| Best for | QR-native markets (India, SEA) | International card payments | Card-first markets | Low-value, low-volume |
The honest comparison: payment gateways are better if your guests primarily pay by international card and you need automated reconciliation at high volume. Zitlin QR is better if your guests are in India or Southeast Asia where QR payment adoption is high, you want to avoid per-transaction fees, and you don't need a physical card terminal.
The two are not mutually exclusive — some properties accept QR for domestic guests and keep a card terminal for international guests. Zitlin records all payment methods on the same folio regardless of how the guest pays.
Accept QR Payments from Any Device
What QR Payment Penetration Actually Looks Like in Target Markets
India: UPI processed over 13 billion transactions per month in 2025. The majority of domestic guests at independent hotels pay by UPI already — phone-to-screen QR is the dominant checkout behaviour in Indian hospitality below the five-star bracket.
Indonesia: QRIS is mandated by Bank Indonesia as the single interoperable QR standard, meaning any QRIS-compatible app (GoPay, OVO, Dana, ShopeePay, LinkAja) scans the same QRIS code. No multi-QR confusion for the front desk.
Brazil: Pix moved past cash and cards to become the country's dominant payment method within four years of its 2020 launch, and is used by the large majority of Brazilian adults. Any Pix key the property already owns is enough to accept payments — there is no acquirer, no merchant ID and no onboarding step.
Malaysia: DuitNow is used by all major Malaysian banks and Touch 'n Go. Bank Negara Malaysia has ruled that proprietary QR networks must be retired by 30 June 2028 under the Interoperable Fund Transfer Framework, making DuitNow the single QR standard for the whole market.
Thailand: PromptPay is the national payment rail. All Thai bank apps and TrueMoney scan the same QR.
Philippines: QR Ph is the BSP-mandated standard. GCash and Maya together cover the majority of Filipino mobile payment users.
Vietnam: VietQR is NAPAS-governed and supported by all major Vietnamese banks including Vietcombank, BIDV, and Techcombank.
Singapore: SGQR and PayNow are universally adopted. All Singapore banks and GrabPay support it.
Bhutan: Cross-border UPI operates between India and Bhutan via the NPCI-RMA linkage, allowing Indian travellers to pay with their usual UPI apps without currency conversion friction.
Hong Kong: FPS is operated by HKICL under the HKMA's common QR standard. Registering for an FPS ID is free and self-service inside any Hong Kong bank app, so there is no merchant onboarding to complete.
Cambodia, Sri Lanka, Nepal, Bangladesh, Ghana, Nigeria: each has a central-bank-backed interoperable QR standard — KHQR under Bakong, LANKAQR, FonePay, Bangla QR, GhQR and NQR respectively. Properties in these markets paste the QR their own bank issued and Zitlin adds the invoice amount to it.
Cameroon: there is still no interoperable QR across MTN MoMo and Orange Money — GIMACPAY's regional QR is in pilot across the CEMAC zone. Until it lands, Zitlin shows mobile money payment instructions with the amount and reference rather than a code that will not scan.
Europe: SEPA QR supports bank-initiated credit transfers across the 36-country SEPA zone — relevant for independent hotels in Croatia, Bulgaria, Romania, and other Eastern European markets where Zitlin has traction.
Frequently Asked Questions
Why is it 0% commission — is there a catch? No catch. Zitlin generates the QR code but does not process the payment. The guest's money goes directly from their bank to yours via the national payment rail of the relevant country (UPI in India, PayNet in Malaysia, NAPAS in Vietnam, etc.). Zitlin's role is generating the QR and recording your confirmation — not moving money. There's no payment processing happening inside Zitlin for it to take a commission on.
Do I need a separate payment gateway account alongside Zitlin QR? No, for QR-native markets. If your guests primarily pay by UPI, QRIS, DuitNow, or another supported system, Zitlin QR is sufficient. If you also take international card payments, you will need a card terminal or payment gateway separately — Zitlin records those payments on the folio too.
What credentials do I need to set up QR payments? It depends on the system. Most need only an identifier you already own: a UPI ID for India, a Pix key for Brazil, a bank BIN and account number for VietQR, a PayNow number or UEN for Singapore, an FPS ID for Hong Kong, a PromptPay ID for Thailand, an IBAN and BIC for SEPA. A few need a merchant ID issued by your acquiring bank — DuitNow in Malaysia, QR Ph in the Philippines. And for QRIS, KHQR, LANKAQR, FonePay, Bangla QR, GhQR and NQR you simply paste the static QR your own bank already gave you, and Zitlin adds the invoice amount and booking reference to it. Either way, it is a one-time setup per property.
Which countries and QR systems does Zitlin support? 24 countries across 16 national QR standards: UPI (India, Bhutan), Pix (Brazil), VietQR (Vietnam), QRIS (Indonesia), DuitNow (Malaysia), PromptPay (Thailand), SGQR and PayNow (Singapore), QR Ph (Philippines), FPS (Hong Kong), KHQR (Cambodia), LANKAQR (Sri Lanka), FonePay (Nepal), Bangla QR (Bangladesh), GhQR (Ghana), NQR (Nigeria), and SEPA QR across France, Germany, Italy, Austria, Croatia, Poland and Sweden. Cameroon is supported with MTN MoMo and Orange Money payment instructions, since no interoperable QR standard exists there yet.
Can I use this for restaurant table payments without a card terminal? Yes. You can generate a payment QR from any restaurant bill in Zitlin. Display it on a tablet or phone, print it on the bill, or send it via WhatsApp. Guest scans with their banking app and pays. No terminal hardware required.
Does the guest need to download any app? No Zitlin app required. Guests use whatever banking or wallet app they already have — BHIM, GPay or PhonePe for UPI; Nubank, Itaú or any Brazilian bank app for Pix; GoPay, OVO or Dana for QRIS; Maybank MAE or Touch 'n Go for DuitNow; Vietcombank or BIDV for VietQR; GCash or Maya for QR Ph; PayMe or HSBC for FPS; ABA Mobile or Bakong for KHQR. If they already use mobile banking, they can scan the QR.
What happens if the guest pays the wrong amount? The QR is generated from the invoice, so the amount is pre-filled in the payment screen the guest sees, and most national QR systems lock that figure. Some allow the payer to edit it, and where a property uses a static QR supplied by its own bank the amount is more often editable. Confirm the received amount against the invoice before marking the payment complete in Zitlin.
Does Zitlin automatically reconcile QR payments? Reconciliation is manual confirmation by staff — you mark payment received in Zitlin after the guest completes the transfer. Zitlin records the payment method, amount, and timestamp on the folio. Automated reconciliation via bank statement import is not currently part of the feature.
Are my property's bank account details exposed when a guest scans the QR? It depends on the system, and both cases are perfectly normal. Alias-based systems encode only a handle — your UPI ID, Pix key, PayNow number, FPS ID or DuitNow merchant ID — and never your underlying account number or IFSC. Account-based systems encode the account by design: SEPA QR carries your IBAN, VietQR carries your bank code and account number. That is exactly the information you would already print on an invoice for a bank transfer. In every case the details let someone pay into your account, not take money out of it.
Can I add a QR system for a country not currently on the list? Yes. Additional QR systems are added on demand. Contact us with the system name and country — we prioritize based on the number of properties requesting it.
Is QR payment support included in the free plan? Yes. QR code display for supported systems is available on the free plan.
